| 1 |
As independent
financial advisers, we provide financial planning services and place
the interests of our clients over any other considerations. In this
respect we are to be distinguished from banks and other organisations,
whose role is to sell financial products. We are committed to treating
clients fairly, and this is embodied as follows.
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| 2 |
If
we identify the need for a financial product on the part of a client,
we will research the entire market for the product in question and
will recommend the example which best suits our client’s requirements.
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| 3 |
If
we receive commission as a result of arranging a product for a client,
we will account to the client in full for such commission.
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| 4 |
Before
providing any advice we ask our clients to disclose whatever information
about their personal and financial circumstances as may be necessary
to enable us to formulate recommendations. We undertake to keep such
information confidential.
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| 5 |
We
are required by the regulatory authorities to obtain confirmation
of our clients’ identity for the purposes of the Money Laundering
Regulations.
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| 6 |
Before
deciding whether to instruct us, every client will be given a copy
of our Terms
of Business and certain statutory documentation and will be invited
to discuss and agree our remuneration arrangements.
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| 7 |
A
nominated member of the firm will be responsible for our relationship
with each client, and that person should be regarded as the client’s
main point of contact.
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| 8 |
We
will provide to our clients written reports explaining the reasons
for our recommendations and any associated risks
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| 9 |
Our
objective is to establish long-term harmonious relationships with
our clients. We may therefore keep in regular touch via newsletters
and other communications and we may on occasion invite clients to
seminars which we consider may be of interest to them.
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| 10 |
We
will ask our clients to assist us in ensuring that the information
we hold regarding their personal and financial circumstances is kept
up-to-date.
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| 11 |
We will, by
agreement, provide regular valuations and reviews of our clients’
investment portfolios.
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| 12 |
In
the event of any dissatisfaction, clients are invited to contact
our Client Care Partner. Complaints which we cannot resolve may be
referred to the Financial Ombudsman Service. It is important to us
that our clients should be confident that we will always treat them
fairly, and we welcome comments as to how we might improve our service. |
